When my MIL divided her money I was opposed to her doing it. When I realized it was a lost cause trying to talk her out of it I warned my bil NOT to touch it. I knew this would happen. Three years later he says it's gone. Frivolous spending will do that! My husband and I put it in a seperate account and didn't touch it. My MIL is 89 and not in the best of health. She has no other assets except for her monthly check and a burial fund (I hope). I'm sick to my stomach after hearing what he did and now on top of that I'm worried ... What if she needs long term care? All I know is we have our half of the money but they don't have theirs. Has anyone dealt with something similar who can shed light on this situation? Two years is a very long time to hold your breath and that's what I feel I'm going to be doing now!